Our Products

While many business owners plan for the survival of their business in the event of death, many do not consider the effects of disability on their company’s future. When an owner is unable to work due to illness or injury, it can be a huge drain on the company. That is why we offer options for business owners that provide funding solutions in the event of disability.

Business Overhead Expense

This policy reimburses business owners for existing overhead expenses incurred while they are disabled, keeping the company up and running. Regular expenses that could be covered include employee salaries, rent, leases and utilities, to name a few. Owners can also customize the policy, at an additional cost, to meet specific needs.

Key Person Disability Insurance

This provides crucial benefits to protect the company from financial hardship that results from the loss of a key employee due to disability. Key Person coverage provides cash flow to help the company move forward and maintain a profit.

Long Term Care Insurance is valuable coverage that protects clients’ assets and ensures they receive benefits for nursing home, adult daycare, assisted living and home care services. It’s designed to provide benefits for people with chronic illness, cognitive impairment and those recovering from a serious injury that requires rehabilitative services.

What would happen if your clients or employees no longer had the means to pay their mortgage, health insurance premiums or provide for their families?

Disability Insurance protects against a person’s most valuable asset – the ability to work and earn income. It is financial security in the event of long-term illness or injury that may prevent someone from earning their usual income.

Adding Disability Insurance to a financial plan is the most important step you can take to protect the financial future of your clients. The right plan depends on income, occupation, health and financial commitment.

These are unique solutions available on an individual or group basis.

Critical Illness Plans are a great complement to Disability Insurance coverage and pay a lump sum for a number of different illnesses. This coverage helps individuals pay for medical treatments and allows them to enjoy their last days without worrying about financial obligations.

Accident Plans are an affordable solution for clients who may be medically uninsurable for Disability or Critical Illness coverage. This ensures they have some benefits if an accident occurs.